Credit Card
Are 0% Balance Transfer Credit Cards Actually Free Money?
Juggling 0% interest credit cards to invest in the stock market sounds like financial wizardry. But does it actually pay off, or does it just damage your credit score?
Baron Barnet
I'm a personal finance geek who hates to see people ripped-off (especially myself). I created baldmoney.com as a way to share what I've discovered in the world of personal finance.
Index funds
Paying More for Managed Funds? Why High Fees Don't Get You Results
I'm told that paying more gets you a better product. But when it comes to managed funds vs index funds in Australia, high fees usually buy you underperformance.
UK
FTSE 250 vs FTSE 100: Which UK Index Knocks it Out of the Park?
When Aussie investors look to invest in UK shares, they grab FTSE 100 ETFs. But the FTSE 250 has historically creamed the large-caps. Here's why.
Where Should I Stick My Hard-Earned Dough? Best Aussie Investment Options
Cut through the noise and discover where to invest money in Australia. From paying down debt to index ETFs and crypto, here is where your cash works hardest.
Mortgage Freedom Early: The Fortnightly Repayments Hack
Switching your home loan repayments from monthly to fortnightly is one of the easiest ways to pay off your mortgage early in Australia. Here is how it works.
Superannuation
Are You Being Screwed by Average Super Fees in Australia?
A tiny 1.2% fee sounds harmless, but it can wipe out over $280,000 from your retirement. Find out if your super fund is silently bleeding you dry.
Best Of
Best International Money Transfer Services (Compared!)
I compare the top international money transfer services to find the cheapest way to send money overseas. The difference in exchange rates can be huge.
The Luxury Trap: What the Agricultural Revolution Teaches Me About Lifestyle Inflation
Earning more but still feeling broke? The Agricultural Revolution explains the luxury trap—and why lifestyle inflation is keeping you from building real wealth.
Online Shopping vs In-Store: Why Home Delivery Saves You Cash
Think heading to the shopping centre is a good weekend activity? Here is how physical retail stores trick you into impulse buying—and why online delivery is cheaper.
Superannuation
The best superannuation fund is..
Not all super funds are created equal. I look at why a simple index-balanced super option consistently beats expensive active fund managers over time.
Self investment
Forget Overpriced Property Investment Courses, Buy a Book Instead
Online property investing courses can cost upwards of $3,000. Here's why you should skip the celebrity spruikers, buy a $25 book, and save your cash for the deposit.
Home loan
Secret Home Loan Rates: The Mortgage Broker Commission Hack
The absolute cheapest home loan rates aren't advertised. They are broker-only. Here is the secret hack to use a commission rebate broker and keep the cash.